DSCR Loans for Real Estate Investors 

How DSCR Loans Work

A DSCR mortgage qualifies you based on the rental income your property generates — not your W-2s, tax returns, or personal debt-to-income ratio. If the property's income covers the mortgage payment, you can qualify. It's the fastest-growing investment property loan product for real estate investors, built for how you actually operate.

Available for purchase and cash-out refinance on rental and investment properties.

No Income Docs Required 

Qualify based on the property's rental income and skip the tax returns and pay stubs.

Close in Your LLC 

Designed for real estate investors who purchase rental properties through an LLC or other entity structure. 

Up to 80% LTV Available 

Keep more capital in your pocket.  Finance up to 80% of the property value. 

Qualify based on rental income — not your personal income.

Tell Us About Your Property 

Fill out the short form with your investment property details. Takes less than 2 minutes.

We Shop DSCR Rates 

We compare options across 180+ wholesale lenders to help you find a competitive DSCR loan. 

Close and Fund 

Choose the best option and we handle the rest. Fast turnaround for experienced investors. 

Ryan Greenhalgh is a branch manager at West Capital Lending, specializing in DSCR loans and investment property financing for real estate investors.

With access to 180+ wholesale lenders, he takes a hands-on approach to finding the right rental property loan for each client — shopping rates across the market so you don't settle for one bank's offer.

Whether you're purchasing your next rental property, pulling equity through a DSCR cash-out refinance, or refinancing out of a hard money loan, Ryan is here to help you scale.

Ryan Greenhalgh is a licensed DSCR mortgage broker in 24 states with over a decade of experience in investment property financing. 

With access to 180+ wholesale lenders, he shops the market to find you the best terms — not just one bank's rate sheet. 

DSCR Loans for Real Estate Investors 

Ryan Greenhalgh | NMLS #2173068 | DRE #02142372
West Capital Lending, Inc. | NMLS #1566096 | DRE #02022356
5830 E 2nd Street, Suite 7000, Casper, WY 82609

Licensed in: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Indiana, Iowa, Louisiana, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, New Jersey, North Carolina, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Vermont

Equal Housing Opportunity | NMLS Consumer Access: nmlsconsumeraccess.org

West Capital Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

Not a Commitment to Lend. Nothing on this website constitutes a commitment to lend or a guarantee of loan approval. All loans are subject to credit approval, property qualification, and lender guidelines.